What card next???

[Anonymous]

I started with an orchard bank card.  A few weeks later I got a pre-approval letter from Capital One.  I applied online and was floored when I was approved!   My credit scores are in the high 500's.  Is there any other cards you feel I would be approved for?  Also if I have my OB card does that mean I shouldn't have much trouble getting approved for other HSBC cards?   Thank you for your help.......

[Anonymous]

Perhaps a card from a local credit union.  May have to go secured, though.

I wouldn't app for another HSBC card, though.  It seems if you have an Orchard Card, HSBC won't let you have another unless you get a preapproved offer.  You'll likely be denied for having the maximum number of cards from HSBC, and end up wasting an inquiry to boot.

[nicemann]

HSBC is weird.  I heard a lot of different things.  I had a Orchard first and then applied for the Best Buy MC (HSBC) and was approved.  It was not an approved card.  Did a cold apply on the website.  Guess it all depends on where the moon and stars line up.

[Anonymous]

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nicemann wrote:

HSBC is weird.  I heard a lot of different things.  I had a Orchard first and then applied for the Best Buy MC (HSBC) and was approved.  It was not an approved card.  Did a cold apply on the website.  Guess it all depends on where the moon and stars line up.

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Yep, stories like yours are not uncommon, but the denial for maximum number of cards is also quite common and not worth risking the inquiry IMO.